Social Security and FERS disability retirement


Q. If Social Security is not approved but disability retirement is, does that mean I only get the percentage of pay that the FERS disability retirement pays, or is there a procedure in place to make up for the Social Security disability?

A. If you aren’t approved for Social Security disability retirement, you will only get the percentage of pay specified in law: for the first 12 months, 60 percent of your basic pay; after the first 12 months until age 62, 40 percent. At age 62, your disability annuity will be converted to a regular annuity.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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